Paying for Home Care: Long Term Care Insurance

When considering senior care options for a loved one, we want you to understand the payment sources available.

Home Care Covered by Long-Term Care Insurance

For individuals who have a dementia diagnosis or who need help with two or more activities of daily living, their Long-Term Care (LTC) insurance can help cover the costs of senior care. For many policies, this includes home care services (what we provide at Griswold), assisted living, memory care, or skilled nursing. Because each policy is different, you will want to check your specific policy for covered services.

Understanding Your Policy

Most policies have an elimination period – an amount of time during which the policy holder will need to both qualify for and receive services before policy covers the cost of services. During this number of days, the care will need to be paid for using another source of payment. You will also want to understand the daily benefit amount and the maximum benefit period.

Experience Working with LTC Insurance

If you are looking for care for a loved one with a Long-Term Care Insurance policy, we can help. We have worked with a number of LTC Insurance providers including:

• Bankers Life
• Continental General
• Genworth
• John Hancock
• Northwestern Mutual
• State Farm
• TransAmerica
• UNUM
• And more.

CareScout Quality Network

Griswold Home Care for Wilmington is also honored to be part of the CareScout Quality Network. This network of aging care providers requires every provider to meet rigorous quality standards and demonstrate a commitment to person-centered care.

When you choose a senior care provider in the CareScout Quality Network, you know the provider has up-to-date licensure and insurance; has passed a survey of their business practices, policies, staffing, training, retention rates, intake process and more; demonstrated financial health; met all applicable safety and regulatory requirements; and receives continual oversight of their person-centered care practices.

Have a question about your long-term care insurance policy and how you can use it to cover home care? We are glad to help!